Retirement Planning

Life Insurance

Savings & Investments

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Financial Planning

Financial planning today has taken on many new dimensions that never had to be considered by earlier generations. For one, people are living longer. A person who turns 65 today could be expected to live as many as 20 years in retirement as compared to a retiree in 1950 who lived, on average, an additional 15 years. Longer life spans have created a number of new issues that need to be taken into consideration when planning for the future.

Financial Management

Financial management focuses on the client’s current and future financial position. The client’s financial position is characterized by his cash flow, budget and net worth, and will include his inclination to save, spend and borrow.

Asset Management

Asset Management focuses on how to best manage the client’s assets based on investment experience, attitudes, objectives, time horizon and risk tolerance. Asset management decisions will impact the client’s ability to meet financial goals related to major purchases, as well as retirement and estate planning goals.

Tax Planning

Tax planning focuses on the client’s current and future tax obligations and strategies employed to minimize or defer taxation. Tax planning strategies are designed to help strengthen the client’s financial position and better enable him to meet financial goals.

Retirement Planning

Retirement planning focuses on the client’s financial well-being after employment has stopped. It involves a comparison of the client’s expected lifestyle in retirement to his current retirement assets, planned savings and expected rates of return on investment. Retirement savings must be carefully monitored as circumstances change over time.

Estate Planning

Estate planning focuses on the payment of expenses and obligations at death and transfer of assets to beneficiaries. Clients may not be aware of how decisions over their lifetime will affect the value of their estate and its distribution.

Risk Management

Estate planning focuses on the payment of expenses and obligations at death and transfer of assets to beneficiaries. Clients may not be aware of how decisions over their lifetime will affect the value of their estate and its distribution.